Overview of Click 2 Protect Life
The HDFC Click2Protect Life plan was a popular term insurance product known for its comprehensive coverage and flexible options. With three distinct plan options—Life Protect, Life & Critical Illness (CI) Rebalance, and Income Plus—it offers flexible payout structures, whole life over, and benefits like return of premium, waiver of premium on CI, and accidental death benefit. Whether you’re looking for pure protection, health-linked cover, or income during retirement, this plan offers something for every financial goal and lifestyle.
Experts' Review of Click 2 Protect Life
Written by Monish Vora
Chief Editor
The HDFC Life Click2Protect Life plan is a versatile term insurance offering more than basic death cover. It comes in three core variants: Life Protect (standard lump-sum cover), Critical Illness Rebalance (which adjusts the sum assured between life and critical illness based on needs), and Income Plus, providing regular monthly payouts from age 60 plus a maturity benefit.
You can also add Return of Premium (ROP), whole life coverage, and waiver of premium on critical illness, enhancing protection layers. The plan supports flexible premium payment modes: single, regular, or limited pay, with options to alter frequency or reduce the payment term during renewals.
However, once a variant is selected, it cannot be changed mid-policy. The critical illness rider covers 19 illnesses, which is relatively limited, and its coverage duration is linked to the premium payment term, potentially restricting protection length. Premiums for ROP and Income Plus tend to be significantly higher.
We generally recommend the Life Protect variant for its simplicity, cost-effectiveness, and customization options, making it the best fit for most buyers. However, it has been discontinued and replaced by HDFC Life Click2Protect Super , which offers enhanced features, improved rider options , and better pricing.
Pros
While not groundbreaking, the features provided meet the basic requirements.
HDFC Life has a solid track record with a good CSR, minimal complaints, and high business volumes.
The plan offers a return of premium option for those seeking a maturity benefit
Cons
The plan lacks terminal illness coverage and a special exit option that allows premium refund at a chosen time.
HDFC Life
Key Insights
Founded
2000
HDFC Life was established 26 years ago and has built strong credibility over time, backed by its long-standing presence in the market.
Claims Experience
99.55% CSR, calculated as a 3-year average
HDFC Life settles 99.55% of all claims it receives demonstrating strong credibility.
Complaints
1.33 complaints per 10,000 claims registered
HDFC Life maintains a low volume of complaints, reflecting strong customer satisfaction and effective service.
Amount Settled
96.72% of total claim amount settled
HDFC Life demonstrates excellent claim payout efficiency, settling over 96.72% of the total claim amount filed, reflecting strong financial reliability.
The aforementioned ratios have been averaged over three years (FY23-FY25)
Features of Click 2 Protect Life
Waiver of Premium
Some policies waive all future premium payments if you are ever disabled (due to accident) or diagnosed with a critical illness. Click 2 Protect Life extends the waiver-of-premium option in both cases.
Critical Illness
If you're ever diagnosed with a critical illness, you would want your insurance policy to pay a fixed sum that can help you deal with any monetary obligations and financially support your needs during treatment. Click 2 Protect Life extends critical illness benefit without too many restrictions and pays up to so long as you are diagnosed with one of the 36 illnesses listed in the policy brochure.
Customisable
Includes critical illness cover.
Accidental Death Benefit
Some policies offer you the option of adding extra protection for accidental deaths. And while we recommend customers choose a comprehensive cover without worrying about the specifics of death, Click 2 Protect Life offers accidental death benefit nonetheless.
Customisable
Offers additional financial protection by paying a portion of the Rider Sum Assured in case of accidental death, disability, or a cancer diagnosis.
Payout on Disability
Some policies offer you a monthly income or a large lump sum in the event you are permanently disabled. Click 2 Protect Life extends this option.
Customisable
Offers additional financial protection by paying a portion of the Rider Sum Assured in case of accidental death, disability, or a cancer diagnosis.
Customisable
This is a disability benefit which offers financial support in the form of monthly payouts if the policyholder suffers an accidental total and permanent disability.
Return of Premium
Some policies return your premium after the policy matures if you don't make a claim. However, we don't recommend this option actively considering the option can be expensive. In any case, Click 2 Protect Life extends this option to those considering it.
Add-ons of Click 2 Protect Life
Protect Plus Rider
Offers additional financial protection by paying a portion of the Rider Sum Assured in case of accidental death, disability, or a cancer diagnosis.
Health Plus Rider
Includes critical illness cover.
Accidental Income Benefit
This is a disability benefit which offers financial support in the form of monthly payouts if the policyholder suffers an accidental total and permanent disability.
Exclusions in Click 2 Protect Life
Conditions or treatments that the policy clearly says it will not cover.
Death by suicide within the first policy year is not covered.
Deaths arising from participation in criminal or unlawful activities are excluded.
If the nominee is found responsible for the insured’s death, the claim will not be payable.
If a death claim is proven to be fraudulent, the insurer will not pay out the benefit.
Disclaimer: For illustration purposes only - exact terms are in the policy wording.
Variants of Click 2 Protect Life
Life & CI Rebalance
A smart cover which aims to achieve a balance between Death and Critical Illness benefit as you go along in your life. Critical Illness cover increases at each policy anniversary with corresponding reduction in Life Cover. In addition, all future premiums are waived off on detection of any of the covered Critical Illnesses and the life cover continues
Life Protect
Under this plan option, a lump sum is provided on death of the life assured.
Income Plus
Under this plan option, the Life Assured is covered for the entire policy term and also receives a lump sum payout on maturity along with regular income starting from age 60.
What's missing in Click 2 Protect Life
No Zero Cost Option
No Terminal Illness Benefit
No Top-Up Option
No option to increase your cover with inflation
No option to decrease your cover over time
No Special Exit Value
No Cover Continuance Benefit
No option to increase cover at life milestones
No Insta Payout Benefit
Reviews for Click 2 Protect Life
S
Sreeja Chaudhary
Chose this plan whole life cover makes long term planning easy and rider options are solid for CI and disability Satisfied so far Works well
K
Kiran Shah
Signed up for ClickProtect payout choice lump sum or income feels practical and rider options are solid for CI and disability Satisfied overall
A
Ananya H. Dey
Took this plan payout choice lump sum or income feels practical and rider options are solid for CI and disability Overall happy No stress quite
A
Ashish Thakur
Picked ClickProtect payout choice lump sum or income feels practical but once chosen options can t be changed later Overall okay ok helps me
C
Charu Saxena
Picked this plan whole life cover makes long term planning easy and payout choice lump sum or income feels practical Feels reliable ok helps
Frequently Asked Questions
What is the HDFC Life Click 2 Protect Life Plan?
What are the key benefits of the HDFC Life Click 2 Protect Life Plan?
What are the various riders customers can opt for with the HDFC Life Click 2 Protect Life Plan?
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